The complete register carries every obligation in Part IX of the Bangko Sentral ng Pilipinas Manual of Regulations for Banks, sections 903 to 941, as one queryable surface. It is the same object contract as the free sample, at full coverage: 278 obligations, 4,271 graph relationships, and every taxonomy the release classifies against.
Paid product delivered as a Snowflake secure share, with versioned releases and free errata reissues. The Marketplace listing is in preparation. The Support section below has the contact for access.
Each obligation includes exact regulatory wording, legal citations, document context, duty strength, responsible actor, required action, scope, plain-language interpretation, topics, functional domains, qualifications, evidence expectations, and the complete structured record as a Snowflake VARIANT.
Use VERBATIM_TEXT and LEGAL_CITATION_FULL when verifying or citing a requirement. Summaries and interpretations help users find and understand the source; they do not replace it.
Standing Obligation Registers
- One row per duty.
- The verbatim clause, citation, and page anchor on every row, for defensible reference.
Compliance Testing and Examination Preparation
- Evidence expectations, checklist steps, and qualifications per obligation feed workpapers directly.
- The listing's SQL examples assemble the coverage workpaper and the evidence matrix directly.
Mapping Duties to Internal Policies and Controls
- Join the register to your own control inventory on
OBLIGATION_ID. - Use topics, functional domains, and the knowledge graph to find related duties.
Grounding Regulatory AI
- Typed relationships and verbatim source text give retrieval and agent systems citable regulatory grounding instead of scraped documents.
Consumers query secure views in the REGULATORY schema and the shared OBLIGATION_ANALYTICS semantic view. The database name may be chosen when the listing is installed, so examples use the portable REGULATORY.OBJECT form.
- Secure View
OBLIGATIONSFeatured- Rows
- 278
- Purpose
- Primary obligation register with exact regulatory text, citations, hierarchy, scope, regulatory intelligence, and the complete structured record.
- Secure View
KNOWLEDGE_GRAPHFeatured- Rows
- 4,271
- Purpose
- Query-ready relationships connecting obligations to document hierarchy, actors, actions, scope, topics, domains, qualifications, checklist elements, and evidence expectations.
- Secure View
OBLIGATION_TOPICSFeatured- Rows
- 522
- Purpose
- Framework-native topic assignments for filtering and grouping obligations by regulatory subject.
- Secure View
OBLIGATION_EVIDENCE_EXPECTATIONSFeatured- Rows
- 84
- Purpose
- Expected compliance artifacts, recipients, and trigger or frequency details where supported by the clause.
- Secure View
RELEASESFeatured- Rows
- 1
- Purpose
- Release label, snapshot date, covered source, obligation count, taxonomy version, and update policy.
- Secure View
GRAPH_NODES- Rows
- 1,591
- Purpose
- Normalized graph nodes for obligations, document structure, actors, topics, evidence expectations, and other connected concepts.
- Secure View
GRAPH_EDGES- Rows
- 4,271
- Purpose
- Stable typed relationships between graph nodes, including the derivation basis and source phrase where available.
- Secure View
OBLIGATION_CHECKLIST- Rows
- 150
- Purpose
- Testable mandatory elements identified in obligations where the source clause supports them. Ships on the Philippine MORB products.
- Secure View
OBLIGATION_FUNCTIONAL_DOMAINS- Rows
- 278
- Purpose
- Governance-domain assignments with paths, derivation basis, and confidence.
- Secure View
FUNCTIONAL_DOMAIN_TAXONOMY- Rows
- 1
- Purpose
- Customer-readable labels and paths for the functional-domain vocabulary used by this product.
- Secure View
OBLIGATION_QUALIFICATIONS- Rows
- 149
- Purpose
- Conditions, exceptions, provisos, and their effect on the applicable duty.
- Secure View
OBLIGATION_SCOPE- Rows
- 283
- Purpose
- Normalized institution types in scope, one covered-person value per row.
- Secure View
OBLIGATION_TAGS- Rows
- 349
- Purpose
- Informal keywords for search and lightweight filtering.
- Secure View
CHANGES- Rows
- 0
- Purpose
- Reserved change-event contract. It is empty in an initial point-in-time release and must not be treated as historical change coverage.
| Secure View | Rows | Purpose |
|---|---|---|
OBLIGATIONSFeatured | 278 | Primary obligation register with exact regulatory text, citations, hierarchy, scope, regulatory intelligence, and the complete structured record. |
KNOWLEDGE_GRAPHFeatured | 4,271 | Query-ready relationships connecting obligations to document hierarchy, actors, actions, scope, topics, domains, qualifications, checklist elements, and evidence expectations. |
OBLIGATION_TOPICSFeatured | 522 | Framework-native topic assignments for filtering and grouping obligations by regulatory subject. |
OBLIGATION_EVIDENCE_EXPECTATIONSFeatured | 84 | Expected compliance artifacts, recipients, and trigger or frequency details where supported by the clause. |
RELEASESFeatured | 1 | Release label, snapshot date, covered source, obligation count, taxonomy version, and update policy. |
GRAPH_NODES | 1,591 | Normalized graph nodes for obligations, document structure, actors, topics, evidence expectations, and other connected concepts. |
GRAPH_EDGES | 4,271 | Stable typed relationships between graph nodes, including the derivation basis and source phrase where available. |
OBLIGATION_CHECKLIST | 150 | Testable mandatory elements identified in obligations where the source clause supports them. Ships on the Philippine MORB products. |
OBLIGATION_FUNCTIONAL_DOMAINS | 278 | Governance-domain assignments with paths, derivation basis, and confidence. |
FUNCTIONAL_DOMAIN_TAXONOMY | 1 | Customer-readable labels and paths for the functional-domain vocabulary used by this product. |
OBLIGATION_QUALIFICATIONS | 149 | Conditions, exceptions, provisos, and their effect on the applicable duty. |
OBLIGATION_SCOPE | 283 | Normalized institution types in scope, one covered-person value per row. |
OBLIGATION_TAGS | 349 | Informal keywords for search and lightweight filtering. |
CHANGES | 0 | Reserved change-event contract. It is empty in an initial point-in-time release and must not be treated as historical change coverage. |
Snowflake listings no longer carry notebooks, so the working examples ship as SQL. These are the exact examples attached to the Marketplace listing, validated against this release, and every identifier is SCHEMA.OBJECT so each one runs unchanged against whatever name you mounted the database under.
To confirm a mount before running anything, use SHOW VIEWS IN SCHEMA REGULATORY; in a worksheet.
REGULATORY.OBLIGATIONS has 73 typed columns. The fields below cover its primary identity, source, hierarchy, analysis, and release contract. The complete record remains available in RECORD.
- Column
OBLIGATION_ID- Type
- VARCHAR
- Description
- Stable unique identifier encoding section, marker, printed page, and sequence.
- Column
FRAMEWORK- Type
- VARCHAR
- Description
- Framework name as published by the regulator.
- Column
REGULATOR- Type
- VARCHAR
- Description
- Issuing regulator.
- Column
JURISDICTION- Type
- VARCHAR
- Description
- Jurisdiction of the covered instrument.
- Column
DOCUMENT_TITLE- Type
- VARCHAR
- Description
- Title of the covered regulatory document.
- Column
DOCUMENT_VERSION- Type
- VARCHAR
- Description
- Edition or version of the covered document.
- Column
SECTION_NUMBER- Type
- VARCHAR
- Description
- Full section address, including marker and printed page.
- Column
DOCUMENT_BREADCRUMB- Type
- VARCHAR
- Description
- Full document path from the title to the obligation.
- Column
PARENT_OBLIGATION_ID- Type
- VARCHAR
- Description
- Governing obligation identifier where one exists.
- Column
VERBATIM_TEXT- Type
- VARCHAR
- Description
- The regulator's exact words, byte-exact to the source. Use this field for citation and verification.
- Column
CONTEXT_WINDOW- Type
- VARCHAR
- Description
- Surrounding source text for reading the duty in context.
- Column
MODAL- Type
- VARCHAR
- Description
- The regulator's duty verb, such as SHALL or SHOULD.
- Column
MODAL_STRENGTH- Type
- VARCHAR
- Description
- Binding strength derived from the duty verb.
- Column
ACTOR- Type
- VARCHAR
- Description
- Party bound by the duty.
- Column
ACTION_REQUIRED- Type
- VARCHAR
- Description
- Action the actor must take.
- Column
COVERED_PERSON_SCOPE- Type
- VARCHAR
- Description
- Institution types in scope, pipe-separated.
- Column
OBLIGATION_SUMMARY- Type
- VARCHAR
- Description
- One-sentence summary for discovery. It does not replace VERBATIM_TEXT.
- Column
WHY_THIS_OBLIGATION_EXISTS- Type
- VARCHAR
- Description
- Regulatory purpose or risk addressed by the obligation.
- Column
INTERPRETATION_NOTES- Type
- VARCHAR
- Description
- Source-grounded notes for interpreting the clause.
- Column
IMPLEMENTATION_CONSIDERATIONS- Type
- VARCHAR
- Description
- Practical considerations for operationalizing the duty.
- Column
TOPICS- Type
- VARCHAR
- Description
- Framework-native topics, pipe-separated.
- Column
FUNCTIONAL_DOMAINS- Type
- VARCHAR
- Description
- Governance-domain leaves, pipe-separated.
- Column
LEGAL_CITATION_FULL- Type
- VARCHAR
- Description
- Complete legal citation including document and section.
- Column
SOURCE_PDF_URL- Type
- VARCHAR
- Description
- Official source location on the regulator's website.
- Column
FIRST_INCLUDED_RELEASE- Type
- VARCHAR
- Description
- First product release containing the obligation.
- Column
LAST_VERIFIED_RELEASE- Type
- VARCHAR
- Description
- Most recent release in which the record was re-verified.
- Column
RECORD- Type
- VARIANT
- Description
- Complete structured obligation record, including the sections provided by this product tier.
| Column | Type | Description |
|---|---|---|
OBLIGATION_ID | VARCHAR | Stable unique identifier encoding section, marker, printed page, and sequence. |
FRAMEWORK | VARCHAR | Framework name as published by the regulator. |
REGULATOR | VARCHAR | Issuing regulator. |
JURISDICTION | VARCHAR | Jurisdiction of the covered instrument. |
DOCUMENT_TITLE | VARCHAR | Title of the covered regulatory document. |
DOCUMENT_VERSION | VARCHAR | Edition or version of the covered document. |
SECTION_NUMBER | VARCHAR | Full section address, including marker and printed page. |
DOCUMENT_BREADCRUMB | VARCHAR | Full document path from the title to the obligation. |
PARENT_OBLIGATION_ID | VARCHAR | Governing obligation identifier where one exists. |
VERBATIM_TEXT | VARCHAR | The regulator's exact words, byte-exact to the source. Use this field for citation and verification. |
CONTEXT_WINDOW | VARCHAR | Surrounding source text for reading the duty in context. |
MODAL | VARCHAR | The regulator's duty verb, such as SHALL or SHOULD. |
MODAL_STRENGTH | VARCHAR | Binding strength derived from the duty verb. |
ACTOR | VARCHAR | Party bound by the duty. |
ACTION_REQUIRED | VARCHAR | Action the actor must take. |
COVERED_PERSON_SCOPE | VARCHAR | Institution types in scope, pipe-separated. |
OBLIGATION_SUMMARY | VARCHAR | One-sentence summary for discovery. It does not replace VERBATIM_TEXT. |
WHY_THIS_OBLIGATION_EXISTS | VARCHAR | Regulatory purpose or risk addressed by the obligation. |
INTERPRETATION_NOTES | VARCHAR | Source-grounded notes for interpreting the clause. |
IMPLEMENTATION_CONSIDERATIONS | VARCHAR | Practical considerations for operationalizing the duty. |
TOPICS | VARCHAR | Framework-native topics, pipe-separated. |
FUNCTIONAL_DOMAINS | VARCHAR | Governance-domain leaves, pipe-separated. |
LEGAL_CITATION_FULL | VARCHAR | Complete legal citation including document and section. |
SOURCE_PDF_URL | VARCHAR | Official source location on the regulator's website. |
FIRST_INCLUDED_RELEASE | VARCHAR | First product release containing the obligation. |
LAST_VERIFIED_RELEASE | VARCHAR | Most recent release in which the record was re-verified. |
RECORD | VARIANT | Complete structured obligation record, including the sections provided by this product tier. |
1,591
Typed Nodes
4,271
Stable Relationships
278
Anchored Obligations
REGULATORY.KNOWLEDGE_GRAPH places the obligation summary, citation, interpretation, relationship, and both connected nodes in one query-ready view. GRAPH_NODES and GRAPH_EDGES expose the normalized graph for visualization and graph-aware applications.
Obligation nodes are records included in this product. Where a record points at an obligation this product does not carry, the target is an ObligationReference node, which preserves the document hierarchy without disclosing a record outside the product.
This product is compiled from the Bangko Sentral ng Pilipinas Manual of Regulations for Banks, the regulator's official instrument. Source rights and attribution are covered in Source Rights and Limitations.
The register captures provisions in which the regulator imposes a duty on a covered institution using binding vocabulary. Each captured duty is one obligation row anchored to the exact source sentence. Definitions, headings, purely structural text, and descriptions of the regulator's own processes are generally not treated as institution obligations.
Every shipped regulatory excerpt is checked byte-exactly against the compiled source as part of release certification. Identifiers and relationships are validated, declared row counts are measured from the release, and provider-private staging tables are excluded from the secure share.
A field is null when the source clause does not state or support a value. Absence should not be interpreted as a negative finding.
This is a versioned, point-in-time release of the MORB 2023 edition, release 2026.07, with a snapshot date of 2026-07-29. Updates are issued quarterly and when relevant amendments are ingested and recertified.
Existing columns are not repurposed. Additive objects may appear in a later release. A breaking change is delivered as a separately named product line with advance notice.
REGULATORY.CHANGES is empty in this initial release. This product does not yet provide permanent historical change coverage, and Snowflake Time Travel should not be treated as the product change log.
Source and attribution
Regulatory text originates from the Bangko Sentral ng Pilipinas Manual of Regulations for Banks and is freely available from the regulator. Structuring, classifications, summaries, and analyses are additions by ProfytAI. The underlying regulatory text is unaltered.
View the Official BSP SourceLicence
Use of this product is governed by its licence agreement. The page below carries the exact text shipped with the release, and it is the agreement presented when the product is obtained through Snowflake Marketplace.
Read the Licence Terms- The Bangko Sentral ng Pilipinas has not reviewed, approved, endorsed, or sponsored this product.
- ProfytAI is not affiliated with the Bangko Sentral ng Pilipinas. Regulator names identify the source only.
- Coverage is Part IX of the MORB. Other parts of the Manual, and other BSP issuances, are separate products and are not included.
- This product provides regulatory information and workflow support, not legal advice. Only the regulator's official publication is authoritative.
- No customer records, personal data, or source-page images are included in the Snowflake product.
For product access, schema, query, licensing, or due-diligence questions, reach the team through the contact page. Include the product name and release 2026.07 so the team can respond against the correct contract.